Attaching a(n) rider excludes coverage for a condition that would otherwise be covered.

Impairment

Explanation:

Impairment is an accounting rule that portrays a changeless decrease in the estimation of an organization's advantage, typically a fixed resource. When testing for hindrance, the complete benefit, income, or other advantage that is required to be produced by a particular resource is occasionally contrasted and that equivalent resource's book esteem.  

Generally accounting guidelines expect organizations to test altruism consistently consistently for impairment.

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